 Poster: A snowHead
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Hi there, as the title suggests I'm trying to get ski insurance but as I'll be 72 next winter I'm finding it terribly expensive to find anything reasonable. E.G Staysure quoted me £55 but then added on £222 for winter sports cover. This is fairly typical
Ideally I'd just like to get personal liability cover but that doesn't seem possible as a stand alone product.
Any suggestions from anyone ?
Cheers
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Alan1974 wrote: |
Hi there, as the title suggests I'm trying to get ski insurance but as I'll be 72 next winter I'm finding it terribly expensive to find anything reasonable. E.G Staysure quoted me £55 but then added on £222 for winter sports cover. This is fairly typical
Ideally I'd just like to get personal liability cover but that doesn't seem possible as a stand alone product.
Any suggestions from anyone ?
Cheers |
Starting to get the same problem and I wondered whether just getting "standard" insurance and then use the Carte Neige/Carre Neige insurance available when a ski pass is bought. But, I've not really done much research into that yet so it may be just as expensive for the more "mature" skier
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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@Alan1974, I spent half of yesterday on this. I'm 77, with heart failure.  Finally I found the most economical was an upgrade on my "free" travel insurance with my Nationwide bank account. A number of banks do that - worth checking. I don't ski any more but am going to be in the Alps at Christmas and slipping on an icy pavement remains (as it was all through my ski career...) the most likely cause of injury.
It cost me £280 for the upgrade but as I'm off to France next week, will be in the Alps at Christmas and no doubt other trips, including many short ones as son and family are living in Lyon, it was easier and probably cheaper than going through all those impossible health clearance questions every time I fancy jumping on a plane or a ferry.
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You need to Login to know who's really who.
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Being old is expensive but there are SO many compensations. 
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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You'll need to Register first of course.
You'll need to Register first of course.
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I'd very happily carry my own risks for cancellation, loss of baggage etc. But the health thing is a concern - if I were to have a major problem in France (which is by no means unlikely) I would not want my family to have to sort it out at a distance even if ultimately I could afford to pay for repatriation (even of a body.....). Having the help of an insurance company is useful, not just for the dosh.
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Yes, I agree. The cancellation risks are acceptable and they hardly ever pay out anyway. I’m more worried about accidentally injuring someone else so that’s the cover I need.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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| Origen wrote: |
@Alan1974, I spent half of yesterday on this. I'm 77, with heart failure. Finally I found the most economical was an upgrade on my "free" travel insurance with my Nationwide bank account. A number of banks do that - worth checking. I don't ski any more but am going to be in the Alps at Christmas and slipping on an icy pavement remains (as it was all through my ski career...) the most likely cause of injury.
It cost me £280 for the upgrade but as I'm off to France next week, will be in the Alps at Christmas and no doubt other trips, including many short ones as son and family are living in Lyon, it was easier and probably cheaper than going through all those impossible health clearance questions every time I fancy jumping on a plane or a ferry. |
thanks for the tip regarding banks that offer insurance, there's loads of them and they all look pretty good. yes, there's lots of stuff you don't need but they all seem to offer good value. I'll be going through them all one by one.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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@Alan1974, Don't be too sure about that !! -- I looked at one and it was limited to under 65's..... 
==edit==
Ahh - I see Co-op are 'older friendly'....
====edit 2====
But not friendly enough -- ".... though winter sports cover only applies until you turn 65.."
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Brilliant, could be just what I’m looking for , thanks munich_irish
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You know it makes sense.
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| albob wrote: |
@Alan1974, Don't be too sure about that !! -- I looked at one and it was limited to under 65's.....
==edit==
Ahh - I see Co-op are 'older friendly'....
====edit 2====
But not friendly enough -- ".... though winter sports cover only applies until you turn 65.." |
Donner und blitzen.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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The Nationwide load premiums if you're over 70 I think, even with no health issues.
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Poster: A snowHead
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@Origen, the Flexplus cover changed recently, there's no additional premium over 70 now.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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That's good, @Hells Bells. Too late for me, though!
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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@Hells Bells, thanks I’ll check this out
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You need to Login to know who's really who.
You need to Login to know who's really who.
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@Origen, yes, you’re right, they want an extra £30 in my case
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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@Origen, I think it will apply from next upgrade date. Our upgrade for medical conditions doesn't expire until next April, and I believe our insurance will then transfer to AVIVA and then there will be nothing to pay if you're over 70. If you are still with the old insurer than I guess the old terms apply until the upgrade expires. Not 70 yet though.
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You'll need to Register first of course.
You'll need to Register first of course.
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@Hells Bells, I did the whole "transfer to Aviva"thing yesterday - nightmare. After lots of waiting, lots of questions which were very difficult answer (including were my medications to lower my blood pressure or treat my heart failure....) and paying £280 I awaited the email policy documents (as I'm travelling on Tuesday) but couldn't register on the site to get them because they didn't recognise my Nationwide bank details (though I'd given them all to the girl, and she'd recognised them well enough to take £280). I must ring Nationwide and check them. After several false starts (none of the options were for this purpose) the girl told me they would need to "refresh" my details. The details, that is, that I'd already given the Aviva girl online - I had my Nationwide card in front of me and have had the account for almost half a century, and do know the details. She told me it would take 4 days to refresh the details. She was perfectly polite and reasonable, but could do nothing. She suggested I might want to make an official complaint, and I did so. After years of absolutely trouble free Nationwide insurance this was all very frustrating. The change over to Aviva is clearly not going at all well!
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@Origen, clearly not
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You still need to check. Watch out for age limits.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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@achilles, Yep, you're right, The Co-op is out for me. The suggestion from @munich_irish earlier looks very interesting
https://www.alpenverein.at/portal/mitgliedwerden/index.php
If you're not interested in insuring luggage and cancellations this could provide everything that's needed to stay safe and have responsible insurance cover for third parties.
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Getting insurance gets harder and harder the older you get. My friend who is 76 simply relies on the Austrian alpine club insurance to get him to hospital and ehic for any medical treatment. He argues that all the other bits in travel insurance are a waste of money.
However, I’m off to Japan this winter and found the extension to my by bmc insurance was astronomical so looked around for another policy for 2 weeks. Finding one that covered off piste (why would you go to Japan and not go off piste?) was very hard. In the end we decided to go for mpi
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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@johnE, I agree with your 76 year old friend. Thanks for the tips re alpine club insurance & MPI, I'll check these out. Japan ! I'm so jealous, would love to have done that
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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That makes a fair bit of sense. EHIC won't cover private costs (e.g. in a resort clinic) or getting you home dead. But then that would be somebody else's problem, I guess!
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When my youngest brother died we scattered his ashes on the aguille rouge. I’m not sure that bringing his body back to the uk for cremating then returning his ashes would be worth the effort. If I died on a mountaineering trip I’d quite like the idea of being buried/cremated where I fell.
Ps I think aac covers repatriation as well as carre neige but only for live people.
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You know it makes sense.
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Have you tried an insurance broker?
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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@Alan1974, even if you find a bank account product with acceptable age-limits you may still have to pass their underwriting checks for any existing medical conditions. And for a "free" benefit those checks may be tighter than the equivalent for a stand-alone travel policy. In our case it was "computer says No"
If you are a home owner, check if your buildings / contents insurance gives you personal liability cover. May be UK only, but wordings vary.
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Poster: A snowHead
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Ski Club of GB insurance insures for off piste without a guide, which is rare. I only need that for a few days per year but it gives me freedom with my friends. But it isn't cheap.
However they don't insure people over 80, so I have 4 more years and then need to look again.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@Alan1974, Which Country are you planning to visit ??
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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Bmc also insures for offpiste without a guide, but then it is mountaineering insurance. For what it offers their annual policy is good value. It covers most of the things people go on holiday for. I'm in my 70s and a couples annual European policy cost about £250. There may be a height limit that may prevent me climbing the highest mountains in Europe.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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Like Origen I did the Nationwide 'transfer to Aviva' yesterday and the previous day - took 2 long phone calls to complete. With Aviva its not pssoble to take any medication to prevent a medical condition you need to HAVE a medical condition. Previously we just paid the over 70 premium of £65 a year. Now being over 70 has no cost but our meds cost £152 a year.
Tried quotes from other companies but as soon as you take any medication the price was between £1500 and £2000. So we stick with Nationwide as at least we can ski as often as we like as long as no trip is over 30 days.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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@mogulski, yes..I have one thing
..which is temporary and also preventative... no extra charge at present but will be £70 with aviva
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You'll need to Register first of course.
You'll need to Register first of course.
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Hubby will probably have a hefty hike then. Covered for a small fee now.
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@mogulski, yes my experience renewing Nationwide too. Lost the over 70 supplement, but the extra loading relating to medicines roughly made up the difference.
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This is a very useful thread.
Old Father (Mother) Time keeps marching on.
Also the snow sports travel insurance market continues to evolve and seemingly become more complex.
Wonder if this thread could become a ‘sticky’?
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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@Hells Bells, it depends how many medications. Mine is an impressive list. Yes, travel insurance becomes expensive but as I get them all free on the NHS I'm not complaining. But the Aviva questions with their Nationwide policies were impossible for me to answer. The old med clearance just wanted number.
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@Origen, he has quite a hefty loading from Nationwide for needing 2 asthma inhalers, even though they are both the standard treatment, if he was only taking one, he'd be more at risk of needing medical attention.
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FAQ
